Technology has changed the way we live and has also changed the way operations are carried out in the Panamanian banking sector. A few years ago, long lines formed in banks to carry out a financial operation, or simply to cash a check. Today, the use of communication networks such as modern information systems and mobile applications, offered as products by banks, facilitate all these processes, so we can spend more time doing other activities from the comfort of our homes and offices. Banking, as a fundamental component of social inclusion processes, has been annexed in the priority policies of governments worldwide. Regarding Panama, the Superintendency of Banks of Panama (SBP) has been making important efforts for several years now, through the issuance of regulations that have had a great impact on improving levels of financial inclusion. and banking in the country, in addition to the implementation, by public and private entities, of strategies, plans, guidelines and programs aimed at developing a broader perspective on this issue and thus be able to ensure that more Panamanians have access to this modern form of business.